Double Rewards Promo

*For cards approved on December 16 onwards, only applications submitted within the Promo Period shall be considered eligible for the Promo.

2. For customers who wish to avail themselves of two (2) qualified BPI Credit Cards under this Promo, the application for the second card must be submitted within ten (10) calendar days from the date of application of the first card. Applications for the second card submitted beyond the ten (10)-day period shall not qualify for the Bonus eGC and eligibility.

3. In case of card conversion, upgrade, or change in approved card type during the Promo Period, the following shall apply.

o Bonus Offer: The Eligible Cardholder will not remain entitled to the bonus offer/s even conversion was within or during the Promo Period.

o No Annual Fee for Life (NAFFL): Any conversion, upgrade, or change in card type during and after the Promo Period shall result in disqualification from the AMF waiver benefit.

4. Spend accumulation shall be on a per-card basis. For customers who avail themselves of two (2) qualified BPI Credit Cards, spend transactions shall not be combined across cards to meet the spend requirement of one (1) card. If the Eligible Cardholder meets the spend requirement for only one (1) card, only the corresponding welcome gift for that card shall be awarded.

5. Only posted transactions made within the applicable spend period shall be considered valid for spend accumulation. The following transaction types shall qualify:

o Retail transactions

o Flexipay Transactions at merchant

o Credit-to-Cash

o Special Installment Plan (SIP) for Schools

o Special Installment Plan (SIP) for Hospital

o Balance Transfer transactions

o Utility Bills payment

o Pay Bills via Credit Card

6. The following transactions are excluded from the Promo:

o Fees: Late payment fees, gaming fees, replacement fee, check protect fee, cash advance fee)

o Cash Advance (local or international)

o eCredit transactions

o Balance Conversion Transactions

o Transactions from casino/gambling, Money Transfer Merchant transactions, quasi-cash merchant financial institution transactions, Political Organization transactions and Bail & bond payment transactions.

o Transactions from stock trading, foreign exchange trading, financial trading services, remittance, and the like; mobile payment/mobile wallet transactions and online payment system (such as but not limited to GrabPay, GCash, PayMaya, PayPal, Coins.ph, and the like)

o Business transactions such as but not limited to direct or multi-level marketing, as well as from merchants specifically engaged in wholesale and distribution, payment services, and professional services.

7. Valid transactions made by the Eligible Principal Cardholder and his supplementary cardholder(s) during the applicable spend period using their eligible cards will be accumulated and shall be considered for purposes of determining the spend under this Promo.

8. Eligible Cardholders who meet the one-time spend requirement will be awarded a No Annual Fee for Life on the applicable awarding period. Cardholder shall receive an advisory when the NAFFL waiver has been applied.

9. Each Eligible Cardholder (who must be the principal cardholder) may only be awarded the NAFFL once, and only for his newly-issued BPI rewards earning card and its replacements due to expiry.

10. Supplementary cards are excluded from this Promo, and will follow the standard AMF charging – free AMF for life for 1st supplementary card, and annual charging of AMF for the 2nd supplementary card onwards.

11. In case customer applied for both cards during the Promo Period, (Amore Cashback and Gold rewards Card) both cards shall be qualified for the Free For Life Promo as long as the spend requirement is met for both cards.

12. Successful promo registration is required to qualify for the No Annual Fee for Life offer and Bonus eGC offers. A one-time registration shall suffice for both the No Annual Fee for Life offer and any applicable Bonus eGCs.

13. Once a card is awarded with a NAFFL, the waiver is not transferrable in case of conversion, upgrade or change in the card type. To illustrate, if a client was already awarded with the NAFFL on the BPI Gold Rewards Card and decided to upgrade to a BPI Platinum Rewards Card, the NAFFL will not be carried over to the BPI Platinum Rewards Card.

Registration

1. Each Eligible Cardholder shall receive a unique alphanumeric promo code via his/her registered mobile number and/or email address as reflected in BPI’s records, for purposes of Promo registration. For customers who avail themselves of two (2) qualified BPI Credit Cards, only one (1) unique alphanumeric promo code shall be issued per Eligible Cardholder.

2. Only the principal cardholder who receives the official SMS and/or email communication from BPI containing the unique promo code shall be eligible to register for the Promo.

3. For Eligible Cardholders who avail themselves of two (2) qualified BPI Credit Cards, only a one-time registration using the issued unique promo code shall be required.

4. Eligible Cardholders may register through either of the following channels:

Via SMS (Text-In):

i. Text BPICCREG

ii. Send to 225687.

iii. Example: BPI CCREG 1234ABCD.

5. Eligible Cardholders must ensure that their registered mobile number and email address in BPI’s records are updated and accurate to facilitate successful validation and receipt of communications.

6. Upon successful submission of registration details, Giftaway will send confirmation to validate the registration: via displayed on the registration portal for those who registered via eGC Hub.

7. Successful registration within the prescribed registration period is required to qualify for the Welcome Gift and any applicable bonus eGC offers.

8. By completing the registration process, the Eligible Cardholder agrees that his/her personal information shall be processed in accordance with applicable confidentiality, data privacy, and security policies of BPI and its authorized service provider, Giftaway.

Bonus eGC offer

1. To qualify for the applicable Bonus eGC offers, the Eligible Cardholder must satisfy the corresponding eligibility and qualification requirements below:

2. The eGC is for one-time use only and is NOT convertible to BPI Points, cash, or cash credit.

3. All terms and conditions relating to the use of eGC code redemption per merchant, as indicated in the redemption portal, shall apply.

4. The eGC is valid for sixty (60) days

5. BPI will not send notifications via SMS and/or email on the expiry date of the eGCs.  The customer shall be responsible for tracking the expiry of his rewards.

6. BPI will not accommodate cardholder requests in re-sending eGCs due to reasons such as, but not limited to:

a. Lost, stolen or defective mobile device

b. Expired eGCs

7. The eGC was successfully sent to the principal cardholder’s registered contact information in BPI’s system, but the contact information is no longer in use by the cardholder without updating his/her records with BPI.

Redemption of Welcome Gift and Bonus EGC Offers

1.  At the end of the applicable registration and spend period, Eligible Cardholders who have satisfied the Promo requirements shall receive an awarding notification from Giftaway via SMS and/or email confirming their eligibility to redeem the applicable Bonus eGC. Eligible Cardholders must redeem their eGCs through the official redemption portal (eGC Hub link) within sixty (60) calendar days from the date of awarding notification from Giftaway. Failure to redeem within the prescribed period shall result in forfeiture of the eGCs.

2. Eligible Cardholders must choose among the featured eGC partners in travel, essentials, electronics, shopping and dining categories.

3. To redeem, the Eligible Cardholder must visit the eGC microsite (in the SMS/email sent by Giftaway) and select the preferred eGC option. Detailed redemption instructions, including merchant-specific terms and conditions, shall be displayed in the portal. All merchant terms and conditions governing the use of the eGC shall apply.

4. Bonus eGCs shall be issued in the denomination corresponding to the qualified Bonus eGC value.

5. Since eGCs are issued in fixed denominations, any unused balance from a redeemed eGC shall be forfeited and is no longer refundable, reusable, or convertible to another form.

6. Each eGC is valid for one-time use only and is non-transferable, non-refundable, and not convertible to BPI Points, cash, or credit. Once redeemed, the eGC cannot be cancelled, reversed, exchanged, or reapplied to another merchant or reward.

7. The eGCs may not be used in conjunction with other ongoing promotions, discounts, or offers.

8. All unredeemed eGCs shall automatically expire and be deactivated sixty (60) calendar days after the awarding notification from Giftaway.

9. The Eligible Cardholder is solely responsible for safeguarding his/her eGC codes and access to the redemption portal. BPI and Giftaway shall not be liable for lost, stolen, or unauthorized use of redeemed eGCs.

10. BPI and Giftaway shall not be obligated to send reminders regarding eGC expiration. It is the responsibility of the Eligible Cardholder to monitor the validity and expiry of his/her eGCs through the eGC Hub.

11. To qualify for the No Annual Fee for Life (NAFFL), the Eligible Cardholder must register and meet the specified spend requirement using their newly-issued BPI Credit Card.

12. If an Eligible Cardholder applies for multiple qualified BPI Credit Cards during the promo period, all cards will be eligible for the AMF waiver for Life, provided each card meets its respective spend requirement and parameters.

13. Valid transactions eligible for the AMF waiver, as well as excluded transactions, are the same as those defined in the table above.

14. Transactions made by the Principal Cardholder and any supplementary cardholders during the applicable spend period will be combined and considered as the Principal Cardholder’s total spend under this promo.

15. Supplementary Cards are excluded from this promotion and will follow the standard AMF rules: the 1st supplementary card is free for life, while the AMF for the 2nd supplementary card onwards will apply.

16. Customers who registers and meet the spend requirement within spend period will receive No Annual Fee for Life .

17. The No Annual Fee for Life  is not convertible to cash or in kind.

Other Conditions

1. The Principal Credit Card must be active and current at the time of awarding. If the eligible card is cancelled and replaced during the Promo Period, it will no longer be eligible for this Promo.

2. Unless otherwise stated, this Promo cannot be combined with any other existing bank promotion. In case of disputes relating to the Promo, including but not limited to eligibility, coverage dates, and fulfillment, BPI’s decision, with the concurrence of DTI, shall be final. Concerns regarding the eGCs received under this Promo must be raised directly with Giftaway (support@giftaway.ph) within thirty (30) days from receipt of the eGCs.

3. Any fraud, abuse, or unauthorized action involving credit card transactions or participation in the Promo may result in disqualification, suspension and/or cancellation of card privileges, and/or the charging of the corresponding eGC value to the Principal Cardholder's account, as determined by BPI following its review and validation of the circumstances.

4. The terms and conditions governing the issuance and use of BPI Credit Cards are deemed incorporated herein by reference and shall apply where relevant to this Promo.

5. By participating in this Promo, cardholders authorize BPI to share necessary information with its third-party contractors or agents for purposes of fulfilling and awarding the eGCs.

6. This Promo is subject to periodic review to ensure compliance with BPI policies and procedures, BSP rules and regulations, and other applicable laws.

7. Application and issuance of qualified BPI Credit Cards remain subject to BPI’s applicable credit parameters and approval process.

8. BPI employees are not eligible to participate in this Promo.

9. BFB migrated and RBank Card migrated are excluded in the promo.

10. To the fullest extent permitted by applicable laws, all warranties—whether express or implied—are excluded. BPI makes no representation or warranty, express or implied, with respect to the eGCs or prizes awarded under this Promo.

Frequently Asked Questions

Eligibility

Who can join the Promo?

The promo is open to Principal BPI Credit Card customers who apply for an eligible credit card within the promo period and who meet all of the following conditions;

a. Individuals who apply for one or more of the following qualified BPI Credit Cards within the Promo Period:

• Petron BPI Card

• BPI Rewards Card

• BPI Gold Rewards Card

• BPI Amore Cashback Card

• Robinsons Cashback Card, powered by Visa

• BPI Signature Card

*The BPI Rewards Card, BPI Gold Rewards Card and BPI Signature Card cannot be issued to or registered in the name of the same individual simultaneously.

b. Applicants whose credit card applications are approved within thirty (30) days from the end of the Promo Period, provided that prior to such application and issuance:

• Did not have an existing principal BPI Credit Card; and

• Did not have BPI Credit Cards which were cancelled within the last twelve (12) months prior to application.

How can I qualify for the PHP 500 Bonus eGC when applying for two (2) BPI Credit Cards

For customers who wish to avail themselves of two (2) qualified BPI Credit Cards under this Promo, the application for the second card must be submitted within ten (10) calendar days from the date of application of the first card.

I spent PHP 20,000 on my BPI Gold Rewards Card and PHP 30,000 on my Petron BPI Card. Can I combine these amounts to meet the PHP 50,000 spend requirement?

Spend accumulation shall be on a per-card basis. For customers who avail themselves of two (2) qualified BPI Credit Cards, spend transactions shall not be combined across cards to meet the spend requirement of one (1) card. If the Eligible Cardholder meets the spend requirement for only one (1) card, only the corresponding welcome gift for that card shall be awarded.

Registration

How can I register for the promo?

Each Eligible Cardholder shall receive a unique alphanumeric promo code via his/her registered mobile number and/or email address as reflected in BPI’s records, for purposes of Promo registration. For customers who avail themselves of two (2) qualified BPI Credit Cards, only one (1) unique alphanumeric promo code shall be issued per Eligible Cardholder.

Eligible Cardholders may register through either of the following channels:

a. Via SMS (Text-In):

• Text BPICCREG

• Send to 225687

• Example: BPI CCREG 1234ABCD

How will I know if my registration entry was received?

Upon successful submission of registration details, Giftaway will send a confirmation to validate the registration: via SMS for customers who registered through text-in.

I am a Supplementary Cardholder. Can I register for the promo?

Only the Principal Cardholder who receives the official SMS and/or email communication from BPI with the unique promo code may register and participate in the promo.

I did not receive an email or SMS with the promo code. How can I get my promo code?

The eligible Principal cardholders may call our 24-hour BPI Contact Center at (+632) 889-10000 to get his/her unique promo code within the registration period. In case there is a change in contact details, cardholder should also update his/her email address and mobile number on record to get the registration confirmation from Giftaway.

Spend Accumulation

I got the SMS approval on September 1, 2026. Do I follow the spend period for September?

The SMS approval is sent on the next banking day from system approval, which means the card was approved on August 31, 2026. Thus, the registration and spend period is from August up to October 2026.

What is the basis for determining if my transactions qualify for the promo — the transaction date or the posting date?

The basis for your transactions to be included in the promo is the transaction date reflected in BPI’s system but the transaction should be posted.

If I met the spend early but did not register do I qualify for the bonus eGCs and the No Annual Fee for Life welcome gift?

Successful promo registration is required to qualify for the No Annual Fee for Life offer and Bonus eGC offers. A one-time registration shall suffice for both the No Annual Fee for Life offer and any applicable Bonus eGCs

Bonus Offer

I activated my card within 30 days from my approval date. Will I receive the bonus eGC?

Yes. All eligible cardholders who activate their card within forty-five (45) calendar days from the approval date will receive the PHP 250 bonus eGC, subject to promo terms and conditions. Successful promo registration is required to qualify for the No Annual Fee for Life offer and Bonus eGC offers.

I applied for two cards and activated them within 45 days. Will I receive two PHP 500 bonus eGCs?

No. To qualify for the PHP 500 bonus eGC, both cards must be applied for within the promo period, and the second card application must be submitted within ten (10) calendar days from the first card application date. Meeting the activation requirement alone does not automatically qualify you for two bonus eGCs. Successful promo registration is required to qualify for the No Annual Fee for Life offer and Bonus eGC offers.

I activated my card before registering to the Promo. Will I still receive my bonus eGC?

As long as you activated your card within forty-five (45) calendar days from the approval date and registered during the registration and spend period, you can get

My card was approved, but I activated it two months later. Will I still receive the bonus eGC for card activation?

No. The application must be submitted within the promo period, and the approved card must be activated within forty-five (45) calendar days from the approval date to qualify for the card activation bonus. Activation beyond this period will no longer be eligible for the bonus eGC.

Reward Redemption

I have already met the spend requirement. Can I redeem my eGCs?

Principal Cardholders may redeem their eGCs only after the awarding date and within the specified redemption period. (registration is a MUST as well)

I have already redeemed the eGCs. Do these expire?

Yes. The expiry date of each voucher is indicated in the eGC Hub. All unused and unredeemed eGCs will be deactivated sixty (60) days from the date of posting of each eGC in the eGC Hub, subject to the applicable terms and conditions.

I have met the spend requirement for the No Annual Fee for Life. Will my AMF be waived immediately?

No. The awarding of rewards will follow the official awarding period and the applicable No Annual Fee for life terms below:

I want to cancel and change the merchant GC that I redeemed. Is that allowed? I want to cancel and change the merchant GC that I redeemed. Is this allowed?

No. Once a valid redemption has been completed in the eGC Hub, it can no longer be cancelled, reversed, or transferred to another merchant eGC, subject to the applicable terms and conditions.

Card Conversion

I was approved for a BPI Amore Cashback Card; however, I decided to upgrade to a BPI Signature Card within the spend period. Can I have the transactions from my BPI Amore Cashback Card transferred to my BPI Signature Card to meet the spend requirement and qualify for the No Annual Fee for Life?

No, in case of card conversion, upgrade, or change in approved card type during or after the Promo Period will no longer be eligible for the No Annual Fee for Life (NAFFL) benefit and bonus eGCs.

Customer Support

BPI

For inquiries and comments, please send us a message or call our 24-hour BPI Contact Center at (+632) 889-10000.

Per DTI Fair Trade Permit No. FTEB-263882, Series of 2026.

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